Date Received: 2022-02-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to dispute an alleged debt with Resurgent/ LVNV Funding, after numerous attempts ( letters sent to debt collector for validation ) they were unable to validate that I owe this alleged debt. How is this possible? Under the laws of the XXXX, these negative items still being reported on my credit report. I have contacted the collection agency for proof ( copies of my signature, original contract with me and debt collector in agreement, original copies of the last statement or actual bill with me and debt collector. No official document or authority the collections agency has, such as a license to collect in my city/ state ) after numerous attempts still unable to get them to verify with any official permissible document that this is indeed my debt. I ' ve enclose copies of my requests to the collection agency, asking them to validate this alleged debt, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The XXXX requires you to verify the validity of the item within XXXX days. If the validity can not be verified, debt collectors/ credit bureaus are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge them to remove this item before I am forced to take legal action. In the event debt collectors/ credit bureaus can not verify the item pursuant to the XXXX , and continue to list the disputed item on my credit report I will find it necessary to sue for actual damages and declaratory relief under the XXXX . According to this regulation, I may sue in any qualified state or federal court, including small claims court in my area. Here is just a few of CFPB debt collectors complaint 's similiar to mines : Resurgent # XXXX, XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX While I prefer not to litigate, I will use the courts as needed to enforce my rights under the XXXX. I look forward to CFPB protection and to enforce the law against all perpetrators in violation of XXXX. CFPB to protect my right to a fair and accurate credit report, also if legal actions taken and CFPB finds such perpetrators negligent against the consumer. CFPB represent as a witness on the consumer behalf.
Company Response:
State: MD
Zip: 20853
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Cach LLC/Resurgent Cap , a collection agent, has been reporting a monthly balance and failed to send verification and legal rights to collect the alleged debt account.
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I need to report LVNVFUNDING LLC for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late 120 DAYS and not show in the payment history their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617
Company Response:
State: MO
Zip: 64014
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: IN
Zip: 46208
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( XXXX ) adding additional amounts.
Company Response:
State: IL
Zip: 60402
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: RE : DISPUTE : LVNV Funding LLC/ XXXX XXXX XXXX XXXX XXXX ID : XXXX Previous Balance : {$680.00} Account : XXXX account XXXX To whom it may concern : I am writing this letter to DISPUTE : LVNV Funding LLCXXXX XXXX XXXX XXXX XXXX I have called LVNV Funding LLC and spoke with XXXX XXXX at XXXX at XXXX on XX/XX/XXXX to make a settlement offer with good faith to close this account. After speaking with XXXX XXXX of my financial situation she agreed to accept the amount of {$400.00} as a full balance of the account and in addition agreed to delete the account on my credit reports. She also stated in approx. 14 days I will receive a letter confirmation that the account was settled and within 30 days the account will be delete it from all credit reports. After two weeks I received a letter dated on XX/XX/XXXX received on XX/XX/XXXX with the full balance of {$680.00}. I have sent a letter via fax on XX/XX/XXXX letting them know that this account has been settled and that I am still waiting for the letter. I have also let them know that this balance of {$680.00} should be an error. Today I checked my credit report in my XXXX account ( Through XXXX ) and LVNV Funding LLC is back reflecting with a balance of {$280.00}. I felt defrauded and scammed. They lied to me. I want to make a complaint and make a report these fraudulent practices they have done to me and who knows how many people out there looking for a relief like me in these difficult times when through something like this. They did not keep they're word by sending me a letter that this account has been settled and delete this account as we agreed over the phone. Please see proof of email payment for the amount of {$400.00} confirming the day, time that this account was PAID and was processed when I was negotiating with them. In addition to the letter letting them know that I'm still waiting from them a letter confirmation that this account has been settled by agreement. There information is not accurate and is actually a violation of the FTC. This account should not be reflecting on my credit report as they agreed to delete the account and accept the payment of {$400.00} as a full balance payment but they did not keep the promise as agreed. In the top of this I am unemployed and they knew it. This account should be delete it on all of my credit report and I want a letter via mail with the agreement that this account is settled for the amount of {$400.00} as they agreed and that the account have been deleted from all credit reports. I appreciate it all your help on this.
Company Response:
State: NY
Zip: 103XX
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Company Response:
State: OH
Zip: 43231
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Upon checking my recent credit report I noticed an account from a LVNV Funding. I have not received a written notice to dispute the validity of this debt. I will need time to review this once I have received this notice so that if it is valid I may get the issue resolved.
Company Response:
State: GA
Zip: 30904
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This account was originally from XXXX BANK XXXX COM STORE. It was 90 days late in 2016 and later sold to the collection agency LVNV FUNDING LLC. I have disputed the account due to LVNV FUNDING LLC posting the wrong dates for the account and past amount due. I have also disputed the statute of limitations for this debt. LVNV FUNDING LLC Has taken steps with all three credit bureaus to show the debt is currently valid. I have submitted the original invoice to all three credit bureaus showing when the account was 90 days past due. LVNV FUNDING LLC Refuses to remove the account from my credit reports and has caused a significant impact to my credit score.
Company Response:
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: It has come to my attention that I, XXXX XXXX XXXX, a natural person, pursuant to 15 usc 1602e am fully aware that there is evidence of Resurgent Capitol Services ( LVNV Funding ) illegally attempting to collect an alleged debt! and has violated my federally protected consumer rights to privacy and confidentiality Resurgent Capitol Services ( LVNV Funding ) is in Violation of FDCPA Title 15 USC 1692c 805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt! ( I Never gave you permission to contact me ) Pursuant to 15 USC 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( You Have Not Validated This Alleged Debt, Partial Information is unacceptable ) I did not grant Resurgent Capitol Services ( LVNV Funding ) permissible purpose to obtain my personal & private information, So they also have committed identity theft, Pursuant to 15 USC 1681a ( q ) ( 3 ) : The term identity theft means a fraud committed using the identifying information of another person. I have sustained emotional and psychological damages because of Resurgent Capitol Services ( LVNV Funding ) unfair and deceptive practices, and willful disregard of my privacy and its reporting has damaged my character.
Company Response:
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A